PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Elizabeth Employees

Dayton, OH · Charter 13356

Q2 1999

$4.5MAssets
$3.1MLoans
$3.9MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.57%, down 16 bps year over year.
  • Asset quality: problem loans at 1.89% of loans (+59 bps YoY).
  • Funding: loans stand at 78.58% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.57%-16 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.74%3.20%2.57%2.86%2.57%-16 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-1.35%-0.13%-8.10%-4.24%-5.56%-421 bps
Loan Growth (YoY)-13.00%-8.06%-5.42%-7.48%0.10%+1,310 bps
Share Growth (YoY)-0.11%0.63%-9.96%-5.58%-6.86%-676 bps
Asset Quality
Delinquent Loans / Loans1.30%1.26%1.89%1.64%1.89%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.70%0.95%0.96%0.79%0.96%+26 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares73.12%83.79%78.58%77.79%78.58%+546 bps
Liquid Assets / Assets17.72%11.22%8.81%15.27%8.81%-892 bps